Stop Collection Agency Harassment

Owing a debt does not automatically subject you to harassing, threatening and other inappropriate collection agency behavior. Some debt collector go too far with exactly what I call "renegade collectors" they will consistently call you at your house and/or company, threaten to send a marshall over to serve you with lawsuit papers or send out frightening letters, appearing to come from a lawyer or law practice, stating that you will lose your car, wages and other home if you do not pay your debt! It does not matter that you cannot pay a debt or that you can not pay for to pay your debt at this time no one ought to intimidate, threaten or harrass you or persuade you to offer individual or financial details. Unsuitable collection procedures can intimidate you into spending for expenses that may not even be your responsibility.You are protected by the law from innapropriate collection treatments.

The Federal Fair Debt Collection Practices Act, the New York City City Customer Security Law Guideline 10 and New York City State Statute, General Organisation Law, Short Article 29-H, (the "State Statute") all prohibit threatening, intimidating and harassing collection treatments. The State Statute restricts a collection agent from (a) threatening to interact with your employer prior to that representative obtaining a judgement versus you, (b) interacting with your family or household at such frequency or at such uncommon hours as can reasonably be anticipated to be violent or harassing, or (c) mimicing any judicial or legal procedure or appearing to be authorized, provided or approved by a lawyer or the government to collect a debt.

If the collection representative sends you a letter demanding you pay without the reuired notification under the federal law regarding your privacy, your rights to contest the debt an dgiving you the appropriate 30 days to respond, then the debt collector is instantly responsible to you for any damages plus 3 times the quantity of your damages. Each offense of the State Statute is a separate misdemeanor offense. You can file accused of the State Chief Law Officer or your County District Attorney and also request a limiting action versus the collection business to stop it from continuing abuse and harassment.

Call that agency and get the name and address of the owner/president if you feel abused or harassed by a collection agency. Send your composed problem, by qualified mail, return invoice, to the owner/president and include in your letter that you "believe that agency is breaking the Federal Fair Debt Collection Practices Act and other state and regional laws which you will (a) file grievances with the Attorney general of the United States or the District Attorney's office (subjecting the collection company to misdemeanor charges) and (b) request a restraining action versus the debt collector." If the collection company continues to abuse and harrass you, then ZFN Associates proceed and submit your charges and problems.

This short article is certainly not all inclusive and is intended just as a brief explanation of the legal problem provided. If you have any questions with respect to any legal matters, not all cases are alike and it is strongly recommended that you consult an attorney.

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